, inelegant, a problem talking about it, what it is a referendum on obama policies and the state of the economy. what we've seen are incomes falling and people have less income due to paying taxes on and getting more he deduction and less tax income liability. ahead of that, too, though, we've seen a lot more complexity introduced into the tax code, we've got deductions, if you fill out your own 1040 how difficult it is if you're not taking the standard deduction, what your tax liability is. this is something coming down the pipe with a romney administration or more republicans in the house and senate we should be be considering when he we're talking about tax reform. stuart: okay, but it is accurate to say that in the obama years, a larger proportion of people are not paying any federal income tax and that the spike occurred in the obama years in part because of obama politics, is that accurate? >> well, the spike has occurred, really, over the past 20 years and i've seen incomes falling and heard the stat over and over again, how we've got personal wealth falling under obama policies